Every score and detection draws on data only the issuer holds: transaction history, registration changes, cardholder records and more, for a fuller picture than scheme-level scoring alone.
Card testing, account takeover and social engineering often pass standard checks unnoticed. Dedicated detection catches each pattern in real time, before it reaches your cardholders
Every capability plugs into the existing ACS and fraud environment, so issuers add protection without replacing tools or disrupting current workflows.
An integrated, real-time fraud defense framework, enhanced with AI and machine learning, strengthens authentication and reduces operational effort on decisioning.
Major issuers need customization, not generic tools. We deliver end-to-end solution design with the agility and flexibility that many competitors avoid.
Over 60 specialists work directly with your team across risk, authentication, hosting, onboarding and DDoS protection, reducing migration risk from day one.
Passkeys, biometrics, push notifications and OTP (One-Time-Password) with MFA (replace slow, generic verification, so cardholders confirm payments in seconds, not minutes.
Fully brandable challenge screens match your bank's premium mobile app design so cardholders feel confident, recognizing your bank when it matters most, not a generic third-party page.
Challenge only the transactions that need it, keeping low-risk payments frictionless across app, SMS and email channels.
Cloud-native, API-first: 3DScore, BIN Attack Score, registration data and cardholder master data integrate via RESTful APIs directly into your existing ACS and fraud environment; no rip-and-replace, integrate in days not months.
Detection and prevention run in real time, 24/7. Every rule can be simulated on historical data in RiskShield before going live. A dedicated onboarding team gets you live fast, with minimal effort on your side.
A 3DS transaction enters the ACS, 3DScore is computed from data only the issuer holds, and the score is used on its own or combined with existing knowledge-based rules in RiskShield.
A decision, approve, step-up, decline or alert, is returned in milliseconds. Example rule: trigger step-up authentication above one score, decline and alert above a higher one.
Stay compliant, stay ahead. Full support for the latest EMV 3DS protocol, automated scheme updates, and PSD2 and SCA readiness, backed by a complete audit trail and reporting.
Certified to EMVCo, ISAE 3402, ISO 27001, PCI 3DS, and PCI DSS standards. Continuous, automated monitoring and alerting keep your issuing business audit-ready and secure, without adding operational burden on your teams
3DScore, the BIN Attack Score, real-time registration data integration and cardholder master data integration work together as one service, or stand alone if you only need one. Every capability plugs into your existing ACS without a rip-and-replace, runs 24/7 in real time, and the BIN Attack Score has won a Platinum Award for Fraud Prevention at the Juniper Research Future Digital Awards 2025. More than 1,200 banks worldwide already run the service.
At the false-positive range issuers actually operate in, 3DScore detects up to 33% more fraud than standard scheme scoring. Performance is tracked daily inside RiskShield, so you see how it's actually performing.
No. 3DScore, the BIN Attack Score, real-time registration data integration and cardholder master data integration all plug directly into your existing ACS and fraud environment as separate capabilities, so you can adopt one or all four. The service runs real-time, automated detection 24/7 with no manual monitoring required, and is compliant by design with PSD2 and PCI DSS without compromising the cardholder experience.
See how Erste Bank approached regulatory change as a chance to protect customers.
Risk-based checks, one login experience everywhere, and data that keeps getting smarter about fraud.
World’s first EMV 3DS 2.3.1 certified SDK. Integrate in any merchant app, with better risk scoring, more frictionless transactions, fewer abandoned carts.
Fraudsters move between channels and institutions faster than any single team can follow. Our Cross-Channel & Cross-Organization Data Sharing Platform unifies detection and shares alerts across banks.
1st in Europe, 2nd globally EMVCo-approved. G+D Netcetera 3DS Server SaaS: PCI 3DS + PCI DSS certified, 10+ card networks. Stop fraud. Keep conversion.
First-party misuse is now the world’s leading type of fraud, yet it is almost impossible to spot at checkout. Discover why friendly fraud is rising, what it costs the payments industry, and how better data sharing could help distinguish genuine disputes from deliberate abuse.
G+D Netcetera wins two Juniper Awards 2026 for fraud prevention and digital wallets, as banks rethink their systems landscape for future payments
3DS and SCA are working as designed. So why is UK payment fraud still rising?
G+D Netcetera Becomes an Official AWS Partner, Strengthening Cloud-Based 3DS Solutions
Your Essential Introduction to Passwordless Authentication. Tired of password resets, phishing attacks, and frustrated customers? It's time to discover passkeys—the authentication technology that's making passwords obsolete.
Payment trends for 2026: digital identity wallets, network tokenisation, AI fraud prevention, VRPs, embedded finance and payment orchestration.
In our latest podcast episode, payment network expert Michael Schoch explains how Secure Remote Commerce (SRC) is creating new growth opportunities for domestic card networks.
This Tech Tribe episode gives a rare look into how advanced fraud prevention works when every second counts — and how the right expertise can turn a crisis into a controlled situation.
CEO Carsten Wengel sits down with Martina Forster, Portfolio Owner for Secure Digital Payments at G+D Netcetera, to explore the evolving world of digital payments: from 3-D Secure to instant payments, Big Tech, and digital identity.
Protecting the business and customers from invisible threats
Make Instant Payments a success with G+D Netcetera, as your strategic partner
Remember the last time you abandoned a purchase because you couldn’t find your card? How much time, energy, and mood did you waste filling in the requested information? Ultimately, you just left your purchase because it was too time-consuming, data-consuming, and energy-consuming. Sound familiar? That’s exactly why Click to Pay was created. In this episode with Suzana Kordumova Nikolova, we explore what makes Click to Pay different from Apple Pay and Google Pay, how it enhances security, and why businesses adopt it.
Passwords are becoming a thing of the past. Passkeys deliver a safer, faster, and more seamless way to log in and approve payments. Payment expert Nakjo Shishkov explains how passkeys, 3DS, Click to Pay, and FIDO authentication set new standards for secure digital experiences. Learn how passkeys work, why they improve security, and how they drive better user journeys and higher conversion rates.
Wach the Click to Pay webinar featuring G+D Netcetera, Worldline, and Visa experts.
Maximizing Trust and Efficiency: G+D Netcetera expands ISAE 3402 certification to cloud services
Partnership with Klar fuels Mexico’s e-commerce boom
Bridging the gap between merchant’s and issuer’s apps with OOB App URL
